TERMS OF SERVICE
VerifyAU Pty Ltd | ABN 90 695 310 224
217–219 Flinders St, Adelaide SA 5000
Effective date: 25 May 2026
1. Introduction
These Terms of Service ("Terms") form a legally binding agreement between VerifyAU Pty Ltd (ABN 90 695 310 224) ("VerifyAU", "we", "us", or "our") and the entity or individual accessing or using the VerifyAU platform ("you" or "Customer").
By creating an account, accessing, or using the VerifyAU platform at app.verifyau.com.au (the "Platform"), you agree to be bound by these Terms. If you do not agree, you must not use the Platform.
These Terms apply to all users of the Platform, including the account owner (Admin / Senior Manager), compliance officers, AML staff, and read-only staff members within a Customer’s firm.
2. About the Platform
VerifyAU is a cloud-based software platform designed to assist Australian businesses that are reporting entities under the Anti-Money Laundering and Counter-Terrorism Financing Act 2006 (Cth) ("AML/CTF Act") to manage and document their compliance obligations under that Act and related AUSTRAC requirements.
The Platform provides tools including, without limitation:
AML/CTF program and policy generation
Entity risk assessment workflows
Customer identity verification (Document Verification Service, liveness detection, and PEP screening) via third-party provider One Click Services (OCS)
Suspicious Matter Report (SMR) and Unusual Activity Report (UAR) workflow management
Staff training records and personnel due diligence tracking
Compliance officer designation and AUSTRAC enrolment tracking
Audit logging and AUSTRAC-compliant record keeping
Important: The Platform is a compliance management tool only. Nothing on the Platform constitutes legal advice. You remain solely responsible for ensuring your firm complies with all applicable laws, including the AML/CTF Act and any AUSTRAC requirements. We recommend you seek independent legal advice about your specific obligations.
3. Eligibility and Account Registration
3.1 Eligibility
You must be at least 18 years of age and have the legal authority to bind your organisation to these Terms. By registering, you represent that you meet these requirements.
3.2 Account creation
You may create an account by registering at app.verifyau.com.au. Account creation is free. Access to the Platform’s paid features requires the purchase of credits (see clause 5).
You must provide accurate, current, and complete information during registration and keep your account information updated.
3.3 Account security
You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us immediately at support@verifyau.com.au if you suspect any unauthorised access to or use of your account.
We support email/password login, Google OAuth, and Magic Link authentication, with optional two-factor authentication (2FA). We strongly recommend enabling 2FA.
3.4 One account per firm
Each firm or business entity may maintain one account ("tenant") on the Platform. All staff members of the firm access the Platform through that single tenant account under role-based access controls.
4. Access to the Platform
Subject to these Terms and your payment of applicable credits, we grant you a non-exclusive, non-transferable, revocable licence to access and use the Platform for your firm’s internal compliance management purposes during the term of these Terms.
This licence does not permit you to:
Use the Platform on behalf of any third party (other than your own firm’s staff and clients within the Platform’s intended workflow)
Sublicense, resell, or commercially exploit the Platform or its outputs
Reverse engineer, decompile, or disassemble any part of the Platform
Attempt to gain unauthorised access to any part of the Platform or its underlying systems
Use the Platform in any way that violates any applicable law or regulation
5. Credits, Fees, and Payment
5.1 Credit-based pricing
Access to certain features of the Platform, including identity verification checks (DVS), liveness detection, and PEP screening, requires the purchase of credits. Credits are pre-purchased and deducted from your account balance each time a chargeable check is performed.
5.2 Purchasing credits
Credits are purchased through the Platform via our third-party payment processor, Stripe. By purchasing credits, you authorise us to charge your nominated payment method for the selected amount.
All amounts are in Australian dollars (AUD) and, where applicable, include GST.
5.3 Auto-recharge
You may elect to enable auto-recharge, which automatically purchases a set amount of credits when your balance falls below a threshold you nominate. You may disable auto-recharge at any time in your account settings.
5.4 Credit expiry
Credits do not expire provided your account remains active. Credits associated with a terminated account are governed by clause 12 of these Terms.
5.5 Price changes
We reserve the right to change the price of credits on 30 days’ written notice to you. Your continued use of the Platform after that notice period constitutes acceptance of the new pricing.
6. Refunds
6.1 Failed verification checks
If a verification check (DVS, liveness, or PEP) fails due to a technical error attributable to the Platform or our third-party verification provider (OCS) and we are not charged by OCS for that check, the credits consumed by that failed check will be automatically returned to your account balance. No refund is payable where a check fails because the subject’s identity could not be verified (i.e., a deliberate non-match result).
6.2 Unused credit balance
You may request a refund of your unused credit balance within 14 days of the date of purchase of those credits by submitting a written request to support@verifyau.com.au. Refunds are processed to your original payment method within 10 business days.
Refund requests made more than 14 days after purchase will not be accepted, except where required by the Australian Consumer Law.
6.3 Australian Consumer Law
Nothing in these Terms limits, excludes, or modifies any right or remedy you have under the Australian Consumer Law (Schedule 2 to the Competition and Consumer Act 2010 (Cth)) that cannot lawfully be excluded.
7. Your Obligations
7.1 Accuracy of information
You are responsible for the accuracy and completeness of all information entered into the Platform, including firm details, client records, and verification data. VerifyAU relies on the information you provide and cannot be responsible for outcomes based on inaccurate or incomplete data.
7.2 Compliance responsibility
The Platform is a tool to assist your compliance. You remain solely and fully responsible for:
Your firm’s compliance with the AML/CTF Act and all AUSTRAC requirements
The accuracy and completeness of any AML/CTF program, risk assessment, SMR, UAR, or other compliance document generated using the Platform
Lodging Suspicious Matter Reports with AUSTRAC within the required timeframes
Ensuring your staff are appropriately trained
All decisions made in reliance on the Platform’s outputs
7.3 Lawful use
You must use the Platform only for lawful purposes and in accordance with these Terms. You must not use the Platform in connection with any fraudulent, unlawful, or improper activity.
7.4 Staff access
You are responsible for all access to the Platform by your staff. You must ensure that staff members are only granted access levels appropriate to their role and that access is promptly revoked when a staff member leaves your firm.
7.5 Client data
Where you enter personal information about your clients into the Platform for identity verification or record-keeping purposes, you must have obtained all necessary consents and authorities to do so in accordance with the Privacy Act 1988 (Cth) and any applicable state or territory privacy laws.
8. Intellectual Property
8.1 Our intellectual property
The Platform, including its software, design, features, functionality, and all content we create (other than content you provide), is owned by or licensed to VerifyAU Pty Ltd and is protected by Australian and international intellectual property laws. You may not copy, modify, distribute, or create derivative works of any part of the Platform without our prior written consent.
8.2 Your data
You retain ownership of all data and content you input into the Platform ("Customer Data"). You grant us a non-exclusive, worldwide, royalty-free licence to use, process, store, and display Customer Data solely to the extent necessary to provide the Platform and related services to you.
8.3 AI-generated outputs
The Platform uses artificial intelligence (Anthropic Claude) to assist in generating AML/CTF program content and SMR narrative drafts. You acknowledge that AI-generated outputs are drafts for your review and amendment and that you are responsible for the accuracy, completeness, and legal compliance of any document your firm adopts or lodges.
8.4 Feedback
If you provide feedback, suggestions, or ideas about the Platform, you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use that feedback for any purpose without compensation to you.
9. Third-Party Services
The Platform integrates with the following third-party services to deliver its functionality:
One Click Services (OCS) – DVS identity verification, liveness detection, and PEP screening
Stripe – payment processing
Anthropic – artificial intelligence (AML policy and SMR narrative generation)
Supabase – database and authentication infrastructure (hosted in Sydney, Australia)
Vercel – application hosting and delivery
Resend – transactional email delivery
Google – OAuth sign-in and address lookup
Your use of the Platform is subject to the terms and policies of these third-party providers. We are not responsible for the acts or omissions of third-party providers, but we take reasonable steps to select reputable providers and to govern our data-sharing arrangements with them.
10. Availability and Service Levels
We will use reasonable endeavours to ensure the Platform is available and performing. However, the Platform is provided on an “as is” and “as available” basis. We do not guarantee any specific level of uptime or availability.
The Platform may be unavailable from time to time due to:
Scheduled maintenance (we will endeavour to provide advance notice)
Emergency maintenance or security patching
Outages or failures of third-party infrastructure providers (including Vercel and Supabase)
Events beyond our reasonable control
We are not liable for any loss or damage caused by Platform unavailability, except to the extent caused by our gross negligence or wilful misconduct.
11. Disclaimer of Warranties
To the maximum extent permitted by law, we disclaim all warranties, express or implied, in relation to the Platform, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that:
The Platform will be error-free, uninterrupted, or secure
Any output generated by the Platform (including AML/CTF programs, risk assessments, or SMR drafts) will be legally compliant, accurate, or suitable for your firm’s specific circumstances
The Platform will meet your specific requirements
Any defects will be corrected
12. Limitation of Liability
12.1 Cap on liability
To the maximum extent permitted by law, our total aggregate liability to you for any claims arising under or in connection with these Terms or the Platform (whether in contract, tort, statute, or otherwise) is limited to the total amount of credits purchased by you in the 12 months immediately preceding the event giving rise to the claim.
12.2 Exclusion of consequential loss
To the maximum extent permitted by law, we exclude all liability for indirect, incidental, special, or consequential loss or damage, including loss of profits, loss of revenue, loss of data, regulatory penalties imposed on your firm, or reputational damage, arising out of or in connection with your use of the Platform.
12.3 AUSTRAC penalties
For the avoidance of doubt, VerifyAU is not liable for any civil penalty, infringement notice, or enforcement action issued by AUSTRAC or any other regulatory authority against your firm. Compliance responsibility remains entirely with you.
12.4 Consumer guarantees
Nothing in this clause limits any non-excludable rights you have under the Australian Consumer Law.
13. Indemnification
You agree to indemnify, defend, and hold harmless VerifyAU Pty Ltd, its officers, employees, and contractors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal costs) arising out of or relating to:
Your breach of these Terms
Your use of the Platform in violation of any applicable law
Any data you submit to the Platform that infringes the rights of a third party
Any claim by a third party arising from your firm’s compliance failures
14. Term and Termination
14.1 Term
These Terms commence when you create an account and continue until terminated.
14.2 Termination by you
You may close your account at any time by contacting support@verifyau.com.au. Upon closure, your access to the Platform will cease. Refunds of unused credit balances are subject to clause 6.2.
14.3 Termination by us
We may suspend or terminate your account immediately and without notice if:
You materially breach these Terms and fail to remedy the breach within 7 days of written notice
You use the Platform for any unlawful purpose
Continued provision of the Platform to you would expose us to legal liability
You become insolvent, enter administration, or cease to carry on business
14.4 Effect of termination
On termination: (a) your licence to use the Platform ends; (b) your access is revoked; and (c) clauses that by their nature should survive (including clauses 7, 8, 11, 12, 13, 15, and 16) continue in force.
15. Data Retention After Termination
Following termination of your account, your Customer Data (including all compliance records, client records, verification histories, SMR logs, training records, and audit logs) will be retained by us for a period of seven (7) years from the date of the last compliance activity recorded in your account, or such longer period as required by law.
This retention period is consistent with the seven-year record-keeping obligation under the AML/CTF Act. Retained data will remain subject to our Privacy Policy and will not be used for any purpose other than satisfying legal obligations or responding to a lawful request from a regulatory authority.
You may request an export of your Customer Data in CSV format at any time prior to account closure by submitting a request to support@verifyau.com.au. We will process export requests within 10 business days.
Following the expiry of the seven-year retention period, we will securely delete your Customer Data in accordance with our data destruction procedures.
16. Privacy
We collect, use, and disclose personal information in accordance with our Privacy Policy, available at verifyau.com.au/privacy-policy. Our Privacy Policy is incorporated into these Terms by reference. By using the Platform, you agree to the collection and use of your information as described in the Privacy Policy.
17. Governing Law and Dispute Resolution
17.1 Governing law
These Terms are governed by the laws of South Australia, Australia. The courts of South Australia (and any relevant federal courts) have non-exclusive jurisdiction over any dispute arising out of or in connection with these Terms.
17.2 Dispute resolution
Before commencing any legal proceedings (other than for urgent interlocutory relief), you agree to notify us in writing of the dispute and to engage in good-faith negotiations for at least 20 business days to attempt to resolve the matter.
18. Changes to These Terms
We may update these Terms from time to time. We will notify you of material changes by email to your registered address or by a prominent notice in the Platform at least 14 days before the changes take effect. Your continued use of the Platform after the effective date of any changes constitutes your acceptance of the updated Terms.
If you do not accept the updated Terms, you must stop using the Platform and may close your account in accordance with clause 14.2.
19. General
19.1 Entire agreement
These Terms (together with our Privacy Policy) constitute the entire agreement between you and VerifyAU Pty Ltd with respect to the Platform and supersede all prior agreements, representations, and understandings.
19.2 Severability
If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force.
19.3 Waiver
Our failure to enforce any provision of these Terms will not constitute a waiver of our right to enforce that provision in the future.
19.4 Assignment
You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to a related body corporate or in connection with a sale or merger of our business.
19.5 Force majeure
We are not liable for any delay or failure to perform our obligations under these Terms to the extent caused by circumstances beyond our reasonable control, including natural disasters, acts of government, pandemic, cyberattacks on third-party infrastructure, or internet outages.
20. Contact Us
For questions about these Terms, please contact:
VerifyAU Pty Ltd
217–219 Flinders St, Adelaide SA 5000
ABN 90 695 310 224
Email: support@verifyau.com.au
Website: verifyau.com.au